Being on a budget doesn’t mean you can’t live life. You just need to approach it in a different way and more planned. 

While you’re paying off student loans some of the bigger expenses you also need to worry about is rent and car payments. Taking public transportation isn’t always convenient. Buses arrive late or early and that can make you late for work or important appointments. There are some car-sharing services such as Zipcar and car2go that can help with those situations. These car-sharing services charge you by the hour to use the vehicle.

Trim your monthly expenses where you can. Things like your gym membership, Netflix, and Spotify are all things that can be cut from your life and there may be even more. The key is even though you may give up some memberships you can find cheaper or free alternatives. You can still use Spotify, but endure those commercials that can get in the way. Canceling your gym membership doesn’t mean you have to quit working out. Find ways to incorporate your gym workouts into free activities. There are some cheaper options for gyms too, Planet Fitness is a cheap alternative for gym goers to still stay healthy. You could also run along hiking trails to shake things up and enjoy the scenery while working out.

Being on a budget doesn’t mean you can’t live life. You just need to approach it in a different way and more planned. Approach your everyday life with a purpose to make sure you don’t fall behind. Remember, always prioritize your spending, leave traveling behind until you can afford a budget trip for instance. Above all, make sure you’re in the most beneficial repayment plan. Income-driven repayment plans can be tricky and harder than it should be to navigate, so seek help if necessary.